BlastPoint's Credit Union Scorecard

S. C. STATE

Charter #24824 · SC

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 8 in SC

View Mid-Market leaderboard →

S. C. STATE demonstrates 9 strengths

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 2.1% in tier
+ Organic Growth Engine: Top 3.9% in tier
+ Organic Growth Leader: Top 25.3% in tier
+ Emerging Performer: Top 29.6% in tier
+ ROA 1.27% above tier average
+ Net Interest Margin 0.79% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Efficiency Ratio: Top 2.0% in tier
+ Net Worth Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	91,694 +2.0% YoY+0.7% QoQ	-7.0K	98,678 -1.9% YoY	37,124 +2.2% YoY	33,089 +6.1% YoY	53%
Assets	$1.4B -1.5% YoY+0.5% QoQ	$-318.1M	$1.7B +0.5% YoY	$514.3M +4.6% YoY	$547.7M +7.8% YoY	38%
Loans	$845.0M +6.6% YoY+1.8% QoQ	$-388.1M	$1.2B +0.5% YoY	$362.8M +7.0% YoY	$388.7M +8.6% YoY	19%
Deposits	$1.2B +4.6% YoY-0.1% QoQ	$-275.8M	$1.5B +1.3% YoY	$433.3M +6.0% YoY	$464.6M +9.3% YoY	40%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.0% +11.4% YoY+6.1% QoQ	+1.3%	0.7% +13.4% YoY	1.2% +18.8% YoY	0.7% +273.4% YoY	Top 1.0% in tier
NIM	4.1% +6.3% YoY+2.3% QoQ	+0.8%	3.3% +9.3% YoY	4.3% +2.6% YoY	3.7% +5.0% YoY	Top 9.5% in tier
Efficiency Ratio	55.1% +0.2% YoY+0.7% QoQ	-18.9%	74.0% -10.9% YoY	75.1% -1.9% YoY	79.1% -3.3% YoY	Bottom 2.0% in tier
Delinquency Rate	0.8% -12.4% YoY+5.2% QoQ	-0.0	0.8% +6.1% YoY	0.9% +10.3% YoY	1.2% -0.9% YoY	64%
Loan To Share	71.7% +1.9% YoY+1.9% QoQ	-13.5%	85.2% -0.8% YoY	71.3% -1.2% YoY	68.0% -1.7% YoY	17%
AMR	$22,068 +3.4% YoY-0.1% QoQ	$-7K	$29,172 +2.8% YoY	$16,641 +2.9% YoY	$19,418 +1.3% YoY	Bottom 14.8% in tier
CD Concentration	20.1% +7.7% YoY+3.7% QoQ	-8.9%	29.0% +0.7% YoY	17.4% +3.6% YoY	19.6% +6.2% YoY	Bottom 14.2% in tier
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	5.9% -5.3% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Profitability Leader

growth

#3 of 95 • Top 2.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.98%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Organic Growth Engine

growth

#29 of 246 • Top 3.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.00%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 1.98%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth

#100 of 138 • Top 25.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.00%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY

Emerging Performer

growth

#22 of 72 • Top 29.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.98%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.00%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 304 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.98%

Peer Avg: -

#3 of 304 Top 0.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 55.07%

Peer Avg: -

#7 of 304 Top 2.0% in 1B-3B tier

Net Worth Ratio

risk

Value: 15.00%

Peer Avg: -

#25 of 304 Top 7.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.06%

Peer Avg: -

#29 of 304 Top 9.2% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.09%

Peer Avg: -

#47 of 304 Top 15.1% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.54%

Peer Avg: -

#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (6 metrics)

269

Asset Growth Rate

growth

Value: -1.54%

Peer Avg: -

#269 of 304 Bottom 11.8% in 1B-3B tier

267

Loan-to-Member Ratio (LMR)

engagement

Value: $9,216

Peer Avg: -

#267 of 304 Bottom 12.5% in 1B-3B tier

261

Net Charge-Off Rate

risk

Value: 1.02%

Peer Avg: -

#261 of 304 Bottom 14.5% in 1B-3B tier

259

Average Member Relationship (AMR)

engagement

Value: $22,068

Peer Avg: -

#259 of 304 Bottom 15.1% in 1B-3B tier

253

Loan-to-Share Ratio

balance_sheet

Value: 71.70%

Peer Avg: -

#253 of 304 Bottom 17.1% in 1B-3B tier

245

Total Loans

balance_sheet

Value: $845.01M

Peer Avg: -

#245 of 304 Bottom 19.7% in 1B-3B tier